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CRANE & RIGGING INSURANCE PROGRAM Norman-Spencer Agency Crane & Rigging Insurance Program Norman-Spencer, through its JC Stevens division, offers a focused Crane & Rigging program tailored for agents placing crane operators, riggers and construction service contractors. We act as program underwriter, manager, and administrator to deliver targeted liability, auto and inland marine solutions that address common crane and heavy equipment exposures. Overview This program combines General Liability, Auto, Inland Marine and Umbrella options to protect operations that own, operate, rent or rig cranes and related equipment. Coverage is structured to support on-hook exposures, over-the-road exposures, and the physical damage and cargo risks that arise in crane and rigging work. Ideal Accounts and Appetite Agents can consider this program for a wide range of crane and rigging classes, including: Mobile crane operations (with or without operators) Crane equipment rental and boom truck fleets Steel erection contractors, millwrights and tower crane/TV-radio tower contractors Waste haulers, heavy equipment operators, and well drilling contractors with lifting exposures Motor truck cargo and builder’s risk classes with incidental crane use The program will accommodate incidental exposures such as man-baskets and substitute equipment. Typical restrictions include accounts with severe loss histories, known defect-prone equipment where repairs are deferred, or operations lacking documented operator qualifications—these may require additional underwriting review. Coverage Highlights and Advantages Key features designed for agent efficiency and insured protection: General Liability: mobile equipment included under GL; blanket Additional Insured and Waiver of Subrogation; primary & non-contributory wording; per-project aggregate available Auto: separate auto policy option for ID cards and filings, with on-hook and over-the-road coverages Inland Marine: physical damage for boom trucks and equipment, overload and boom collapse coverage, leased/rented equipment, bailees and riggers liability, motor truck cargo Umbrella/Excess: flexible layers up to $5 million to wrap primary limits Automatic Inland Marine enhancements for tools, crane attachments, rental reimbursement and newly acquired equipment Stop-gap coverage available for monopolistic states Underwriting Notes and Minimum Premiums Required submission items: completed Markel supplemental, experience form, MVRs for each driver/operator, ACORDs for requested lines, equipment schedule (year/make/model/value), contracts/work tickets (if applicable), and 3–5 years of loss runs. Minimum premiums: General Liability minimum premium of $5,000; Inland Marine minimum premium of $1,000. Underwriters will review operator qualifications, maintenance records and loss history closely—provide detailed equipment lists and any operator training documentation to help expedite placement. Territories and Availability This program is available in all 50 states and Washington, DC, with access to both admitted and non-admitted markets to meet varied placement needs. Why Place This Business With Norman-Spencer Norman-Spencer brings more than 15 years of specialized experience in crane and rigging accounts. As program administrators and underwriters, we combine technical underwriting with fast service for retail agents. We prioritize clear contract wording, timely auto filings, and practical solutions for on-hook and over-the-road risks. We routinely write business for agents who need responsive quoting and issuance. You might have a client who rents boom trucks to multiple contractors and needs physical damage plus commercial GL with on-hook exposure—this program is structured to provide those limits and the necessary inland marine protection. Another common fit is a small crane operator with a fleet of mobile cranes, requiring combined GL, auto and inland marine coverage with umbrella limits. Submissions can be faxed to 215.368.6023 or emailed to [email protected]. We can quote, bind and issue policies SAME DAY! Frequently Asked Questions What types of accounts are a good fit for this program? This program is ideal for crane operators, steel erection contractors, millwrights, equipment rental businesses, and other construction firms that own or manage crane and rigging operations. Can I get coverage for equipment that is rented or leased? Yes. The Inland Marine portion includes leased and rented equipment coverage, physical damage protection, and riggers liability where applicable. Are same-day quotes and binds available? Yes. Norman-Spencer can quote, bind, and issue policies the same day when you provide complete submission materials. What states is this program available in? The Crane & Rigging Insurance Program is available in all 50 states and Washington, DC. Does the program offer umbrella or excess liability options? Yes. Umbrella and excess liability coverage is available up to $5 million with flexible structuring to meet your clients’ needs. Need help placing an account? Connect with a market specialist.

Lawn Care Services, Tree Trimming, and Related Services Insurance Insurance Program Managers Group (IPMG) offers a specialized program for agents and brokers placing business for lawn care, landscaping, and tree service operations. The program provides access to A-rated markets that understand the unique liability, pollution, and equipment exposure these contractors face—whether they provide seasonal lawn maintenance, install and service sprinkler systems, perform tree trimming or removal, or operate nursery facilities. This program is designed for brokers seeking flexible, industry-focused solutions. IPMG underwriters evaluate operations by scope of work and safety controls, so both small residential lawn crews and mid-sized commercial landscaping contractors can find appropriate placements when their exposures fit the appetite. Target Classes and Ideal Accounts Lawn care and landscaping contractors (residential and commercial) Sprinkler system installation, maintenance, and irrigation specialists Tree trimming, pruning, and removal services Nursery and greenhouse plant care operations Companies that apply herbicides, pesticides, or fertilizers as part of services If you have a client who runs a small team trimming trees and maintaining residential lawns, or a mid-sized landscape contractor that provides grounds maintenance and irrigation services, this program is a practical option to explore. Coverage Highlights Commercial General Liability – Third-party bodily injury and property damage protection tailored to outdoor service exposures. Contractors Pollution – Coverage for chemical applications and pollution liability tied to herbicide, pesticide, and fertilizer use. Inland Marine – Protection for contractor tools, equipment, and portable gear essential to operations. Excess Liability / Umbrella – Additional limits for higher-severity exposures and larger projects. Coverage can also extend to plants, shrubs, and other vegetation while under the insured’s care, custody, and control, depending on the submission and selected options. Underwriting Notes and Minimum Premiums Minimum premiums typically range from $500 to $750 per line of coverage. Program is placed with non-admitted carriers rated A or higher in the eligible states. Underwriters prefer clean safety records, defined scopes of work, trained staff, and documented pesticide/herbicide application procedures. For faster quoting, include a completed application, current loss runs, and a clear description of operations (including whether subcontractors are used and any certificate controls). Program Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Missouri (MO) Indiana (IN) Iowa (IA) Note: The program is written on non-admitted paper in these states. Why Work With IPMG IPMG brings deep underwriting experience and established carrier relationships within the lawn care and landscaping niche. Their state-based contacts deliver responsive service and practical, risk-aware solutions. As a broker, you benefit from an underwriting team that understands equipment exposures, chemical application risks, and the operational differences between residential and commercial accounts. Example fits: A residential lawn care firm with 3–6 employees that provides weekly mowing, fertilization, and occasional pesticide treatments. A mid-sized landscape contractor that handles commercial grounds maintenance, irrigation system service, and selective tree pruning—with documented safety programs and endorsed pollution controls. Reach out to the appropriate contact for your state to discuss submissions and get quotes: Matt Becker (IL, IN, IA) (630) 485-5952 [email protected] Barbara Commings (FL) (855) 377-4764 Ext 5222 [email protected] Leona Greeves (MO) (314-293-9700) Ext 9705 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for businesses offering lawn care, landscaping, sprinkler system services, tree trimming and removal, and plant nursery operations. Accounts that regularly apply herbicides or pesticides are also eligible. Is this program available on admitted paper?No, this program is written on non-admitted paper with A-rated carriers in the eligible states. What is the minimum premium required?The minimum premium ranges from $500 to $750 per line of coverage, depending on the specific risk and coverage selected. What states is this program available in?The program is currently offered in Florida, Illinois, Missouri, Indiana, and Iowa. What coverages are included in the program?Available coverages include Commercial General Liability, Contractors Pollution, Inland Marine for contractor tools, and Excess/Umbrella Liability. Need help placing an account? Connect with a market specialist.

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